Impact to customers

Differences between withdrawn and new riders

Benefits^ Plus Rider Deluxe Care Rider
Deductibles and co-insurance Does not apply
Co-payment Not applicable 5% of the benefits due under your policy
Co-payment limit (each policy year) Not applicable Panel[1]: Up to S$3,000
Non-panel: No limit
Additional non-panel payment (each policy year) Not applicable Panel[1]: Does not apply
Non-panel: S$0#
Extra bed benefit Refund up to S$80 per day (up to 10 days for each hospital stay) if the parent/guardian stays in the hospital with the insured child2 (aged 18 or younger)
Hospital Cash Benefit Yes. If the ward admitted is lower than the entitled ward, Income will pay:
- Enhanced Preferred: S$150/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Preferred: S$125/day (for Restructured hospital ward class A)
- Enhanced Advantage: S$100/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Basic: S$75/day (for Restructured hospital ward class B2 or C)
Not applicable

# Income may apply an additional non-panel payment to the Deluxe Care Rider at the renewal date by giving at least 30 days’ notice.

Benefits^ Assist Rider Classic Care Rider
Deductibles and co-insurance Does not apply
Co-payment 10% of all benefits due under the policy
Co-payment limit (each policy year) Applicable to all claims.
Subject to a maximum co-payment limit in each policy year:
- Enhanced Preferred/Plan P: S$3,000
- Enhanced Advantage/Plan A: S$2,500
- Enhanced Basic/Plan B/Standard Plan: S$2,000
- Enhanced C/Plan C: S$1,500
Panel[1]: Up to S$3,000
Non-panel: No limit
Additional non-panel payment (each policy year) Not applicable Panel[1]: Does not apply
Non-panel: Up to S$2,000
Extra bed benefit Refund up to S$80 per day (up to 10 days for each hospital stay) if the parent/guardian stays in the hospital with the insured child2 (aged 18 or younger)
Hospital Cash Benefit Yes. If the ward admitted is lower than the entitled ward, Income will pay:
- Enhanced Preferred: S$150/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Preferred: S$125/day (for Restructured hospital ward class A)
- Enhanced Advantage: S$100/day (for Restructured hospital ward class B1, B2 or C)
- Enhanced Basic: S$75/day (for Restructured hospital ward class B2 or C)
Not applicable

^ Terms and conditions apply.

Withdrawn riders

With Plus Rider[3], you can receive higher coverage. You will not have to pay deductible and co-insurance. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit (only applicable to Enhanced IncomeShield main plan).

With Assist Rider[3], you do not need to pay deductible or co-insurance. You only need to pay 10% of the claimable amount, subject to a maximum co-payment each policy year. If you stay in a ward that is lower than your entitled ward, you will receive a daily hospital cash benefit (only applicable to Enhanced IncomeShield main plan).

Only downgrade from Plus Rider to Assist Rider for existing policyholders is allowed.

Your queries answered.

This rider has been withdrawn for new applications as of 1 Mar 2019.
Plus Rider covers the Deductible and Co-insurance parts of your IncomeShield plan. You will have coverage from the first dollar (subject to admission of ward class, benefit limits, exclusions and other policy terms).

You will enjoy a hospital cash benefit, if the ward you are admitted to is lower than your entitled ward.

Enhanced IncomeShield PlanAdmitted wardHospital cash benefit (each day)
PreferredRestructured Hospital Ward B1/B2/C$150
PreferredRestructured Hospital Ward A$125
AdvantageRestructured Hospital Ward B1/B2/C$100
BasicRestructured Hospital Ward B2/C$75

This hospital cash benefit will apply to the Enhanced IncomeShield plan only.

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